Divorce
and separation shatter lives. Change Your Approach and you will Change your Position.
Separation and divorce can cause a lot of hardship in both you and your lovers
lives. These are external factors separate from the ties themselves but they weigh
in heavily in the overall situations of the relationship. These are shown to actually
worsen if the bonds of love weaken and fall apart. Click
Here

The
following financial considerations are important, as divorce and credit go hand
in hand. How you proceed now can affect you financial standing in the future.
It is vital to make sure that all payments for the mortgage, rent, utilities,
loans, and credit cards are made on time. Because delinquent accounts will affect
your credit severely in the future, call all accounts and request to be notified
of any missed payments. You may want to freeze or close joint credit accounts,
or better yet, ask the creditor to convert them to individual accounts in the
name of the person who will ultimately be responsible for the debt. Making account
changes before the divorce is finalized saves a lot of headaches.

Financial
Considerations on Assets The biggest financial considerations center
on dividing the assets. Because not all assets are created the same, you need
solid information when deciding how to split everything. The consequences of not
understanding and finding out when it is too late can be financially and emotionally
devastating! To make sure that you get what you deserve, check out the Property
Division Handbook. This book explains in detail the property distribution aspects
of divorce and separation. It focuses on the rights each spouse has under certain
laws, situations, and circumstances, and how the division of the property will
be decided by the court or through negotiation.

Financial
Considerations on Credit StandingAnother
very important financial consideration in your divorce is to find out what your
credit rating is. You should get a credit report now to determine if there are
any blemishes that will hinder your future ability to borrow money. If there are
mistakes on your credit file, or if a reported debt has been paid off, contact
the reporting agency to rectify the situation.

One
service that I like is FreeCreditProfile.
They not only offer you a free credit report--you'll also receive a free credit
score and free debt analysis. All this online in seconds. From the name you trust.

If you have a
history of irregular payments on outstanding debts, you should contact the individual
companies to see if they will lower the payments. Once you have made regular payment
for six months, they should remove the blemish from your report.

Financial
Considerations on Individual CreditOnce
you have determined your credit history, a wise financial consideration is to
establish credit in your own name. The Discover®
Card is a good card to consider, with competitive rates and low fees. When
applying for a card, keep in mind the varying interest rates, as a lower interest
rate equates to lower monthly payments. Also be aware of whether the interest
rate is variable or fixed. A teaser rate on a variable rate card may be enticing,
but can eat your lunch when the introductory rate is over, and the rate then soars
to over 20%. With this in mind, choose a card with a low fixed rate.

Financial
Considerations on Bank AccountsAnother
financial consideration is to establish your own bank account. If your paycheck
is automatically deposited to a joint account, have it switched to an individual
account in your name only. You may also want to take your name off joint accounts,
since you can be held liable if your spouse over-draws on that account. If it
seems likely that your spouse will clean out all the accounts, take your half
and put it in your own account. If he is a signer on the childrens accounts,
you also need to have his name removed, or have the money transferred to a different
account.

Financial
Considerations on TaxesIf
you are separated, as a financial consideration, you can file your taxes separately
as head of household. Detail who gets to claim the children as dependents
in your legal separation. Keep this deduction if at all possible; it can mean
money in your pocket with the earned income credit. If you are claiming the children
as your dependents, make sure that your husband doesnt also try to claim
them. The last thing you need is an IRS audit

Financial
Considerations on Insurance Your
insurance coverage also needs to reflect your change in status. If both names
are on a policy, and your spouse has an uncovered liability, you can be held responsible.
The best financial consideration is to take your husbands name off the policy,
or get your own policy (and take your name off his). If you don't already have
an insurance provider, you can shop for the best insurance rates online at Netquote.com

For
information covering what to include in your divorce papers and the other issues
that you need to consider, DIVORCE 101: A Woman's Guide To Divorce - click
here

Hasty Divorce

Are
you headed for divorce? Discover how to Never have fights, Save your marriage
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Have
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they would appear to be newlyweds, but in reality they have been together for
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You
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from getting angry or upset with each other.

I'm
here to tell you that you CAN create the changes necessary to improve your marriage
-- with or without your husband's cooperation, . As I always tell my clients,
"If just one spouse in the marriage makes changes, those changes cannot help
but affect the other spouse."

This
brings us to the challenge most wives face when trying to make changes in their
marriage. They usually think the changes that need to be made are in their husbands,
not themselves.

Getting
divorced is a frustrating and expensive time. Besides trying to find a good lawyer
and then trying to get your lawyer to return calls, you also have to chase your
Ex to sign paperwork! It's HARD, Frustrating and expensive. Then you have to deal
with heartache AND difficulty concentrating. Do you know what I mean? Click
HereAlso included:

Special
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Special
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useful eBook helps unlocks some of the KEYS to why some people cheat and it's
NOT what you think!

Stop
Your Divorce

My
best advice is to get divorce advice from Experienced Counselors. Stop Marriage
Divorce's team of four marriage counselors and relationship experts have each
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The
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You owe
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If you are truely serious about saving your marriage then you must put these techniques
into practice.

You
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just plain, honest to goodness ways to mend a marriage. You can do it, all you
need to do is take the first step!

NEW
- Divorce
Lawyer DirectoryWe
advise everyone to talk to a lawyer from the beginning. Don't assume you don't
need one even if you haven't been married long and don't think you have significant
assets or debts to divide. The more assets in the marriage to dispute, the greater
the need for professional advice. Divorce tends to become more adversarial as
it moves forward.

How
To Decide If You Should Divorce

Gives you a step-by-step formula to reach a well thought-out, careful decision
that's right for you, your values, your priorities, and your life. It's different
than anything else on divorce you've seen.

Brace
yourself for the shocking reactions you may get from friends & relatives,
and what to do BEFORE they happen The 4 steps you MUST take immediately to
protect yourself, your children, and your pets How to shake yourself out of
your fears and paralysis! Uncover the singular most important question to
ask yourself about your marriage Reveal the factors affecting your thoughts
& feelings about your marriage and a divorce, and learn why you may be struggling
with indecision - Click
Here

Divorce
Strategy for Men and Women - click here
is an insider's view on legal, financial, tax and personal is. A practical,
step-by-step Divorce Action Plan that helps you devise your divorce strategy before,
during and after the divorce. Easy to understand explanations of legal concepts
such as marital and separate property, community property, equitable distribution,
child support and spousal support. In depth discussions describing a host of proven
tactics you can use when you divide your assets and assign responsibility for
the payment of debts.

Start protecting your money right now.

Before
You Leave

Before
You Leave, By Relationship Therapist Helen Dahlhauser, About Endings And Beginnings
And The Rich Relationships You Can Create Through A Unique Process Of Healing,
Growth And Self-discovery - click
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Please
note: The suggestions and advice offered on this web site are opinions only and
are not to be used in the place of professional psychological counseling or medical
advice. If you or someone close to you is currently in crisis or in an emergency
situation, contact your local emergency 911 or a Counselor nearby